| z1 | |||||||||||||||||||||||
| Lata | Stan początkowy | procent | po dopisaniu odsetek | Wypłata | Lata | Stan początkowy | procent | po dopisaniu odsetek | Wypłata | Symulacje | Lata | Stan początkowy | procent | po dopisaniu odsetek | Wypłata | Lata | Stan początkowy | procent | po dopisaniu odsetek | Wypłata | |||
| 1 | 200000 | 0.07 | 214000 | 20000 | 1 | 200000 | 0.07 | 214000 | 15000 | na 41 lat | 1 | 200000 | 0.03 | 206000 | 20000 | 1 | 200000 | 0.06 | 212000 | 20000 | |||
| 2 | 194000 | 0.07 | 207580 | 20000 | 2 | 199000 | 0.07 | 212930 | 15000 | 2 | 186000 | 0.03 | 191580 | 20000 | 2 | 192000 | 0.06 | 203520 | 20000 | ||||
| 3 | 187580 | 0.07 | 200710.6 | 20000 | 3 | 197930 | 0.07 | 211785.1 | 15000 | 3 | 171580 | 0.03 | 176727.4 | 20000 | 3 | 183520 | 0.06 | 194531.2 | 20000 | ||||
| 4 | 180710.6 | 0.07 | 193360.342 | 20000 | 4 | 196785.1 | 0.07 | 210560.057 | 15000 | 4 | 156727.4 | 0.03 | 161429.222 | 20000 | 4 | 174531.2 | 0.06 | 185003.072 | 20000 | ||||
| 5 | 173360.342 | 0.07 | 185495.56594 | 20000 | 5 | 195560.057 | 0.07 | 209249.26099 | 15000 | 5 | 141429.222 | 0.03 | 145672.09866 | 20000 | 5 | 165003.072 | 0.06 | 174903.25632 | 20000 | ||||
| 6 | 165495.56594 | 0.07 | 177080.2555558 | 20000 | 6 | 194249.26099 | 0.07 | 207846.7092593 | 15000 | 6 | 125672.09866 | 0.03 | 129442.2616198 | 20000 | 6 | 154903.25632 | 0.06 | 164197.4516992 | 20000 | ||||
| 7 | 157080.2555558 | 0.07 | 168075.873444706 | 20000 | 7 | 192846.7092593 | 0.07 | 206345.978907451 | 15000 | 7 | 109442.2616198 | 0.03 | 112725.529468394 | 20000 | 7 | 144197.4516992 | 0.06 | 152849.298801152 | 20000 | ||||
| 8 | 148075.873444706 | 0.07 | 158441.184585836 | 20000 | 8 | 191345.978907451 | 0.07 | 204740.197430973 | 15000 | 8 | 92725.529468394 | 0.03 | 95507.2953524459 | 20000 | 8 | 132849.298801152 | 0.06 | 140820.256729221 | 20000 | ||||
| 9 | 138441.184585836 | 0.07 | 148132.067506844 | 20000 | 9 | 189740.197430973 | 0.07 | 203022.011251141 | 15000 | 9 | 75507.2953524458 | 0.03 | 77772.5142130192 | 20000 | 9 | 120820.256729221 | 0.06 | 128069.472132974 | 20000 | ||||
| 10 | 128132.067506844 | 0.07 | 137101.312232323 | 20000 | 10 | 188022.011251141 | 0.07 | 201183.552038721 | 15000 | 10 | 57772.5142130192 | 0.03 | 59505.6896394098 | 20000 | 10 | 108069.472132974 | 0.06 | 114553.640460953 | 20000 | ||||
| 11 | 117101.312232323 | 0.07 | 125298.404088586 | 20000 | 11 | 186183.552038721 | 0.07 | 199216.400681431 | 15000 | 11 | 39505.6896394098 | 0.03 | 40690.8603285921 | 20000 | 11 | 94553.6404609529 | 0.06 | 100226.85888861 | 20000 | ||||
| 12 | 105298.404088586 | 0.07 | 112669.292374787 | 20000 | 12 | 184216.400681431 | 0.07 | 197111.548729131 | 15000 | 12 | 20690.8603285921 | 0.03 | 21311.5861384499 | 20000 | 12 | 80226.8588886101 | 0.06 | 85040.4704219267 | 20000 | ||||
| 13 | 92669.2923747867 | 0.07 | 99156.1428410217 | 20000 | 13 | 182111.548729131 | 0.07 | 194859.35714017 | 15000 | 13 | 65040.4704219267 | 0.06 | 68942.8986472423 | 20000 | |||||||||
| 14 | 79156.1428410218 | 0.07 | 84697.0728398933 | 20000 | 14 | 179859.35714017 | 0.07 | 192449.512139982 | 15000 | 14 | 48942.8986472423 | 0.06 | 51879.4725660769 | 20000 | |||||||||
| 15 | 64697.0728398933 | 0.07 | 69225.8679386858 | 20000 | 15 | 177449.512139982 | 0.07 | 189870.977989781 | 15000 | 15 | 31879.4725660769 | 0.06 | 33792.2409200415 | 20000 | |||||||||
| 16 | 49225.8679386858 | 0.07 | 52671.6786943938 | 20000 | 16 | 174870.977989781 | 0.07 | 187111.946449066 | 15000 | ||||||||||||||
| 17 | 32671.6786943938 | 0.07 | 34958.6962030014 | 20000 | 17 | 172111.946449066 | 0.07 | 184159.7827005 | 15000 | ||||||||||||||
| 18 | 169159.7827005 | 0.07 | 181000.967489536 | 15000 | Lata | Stan początkowy | procent | po dopisaniu odsetek | Wypłata | Lata | Stan początkowy | procent | po dopisaniu odsetek | Wypłata | |||||||||
| 19 | 166000.967489535 | 0.07 | 177621.035213803 | 15000 | 1 | 200000 | 0.09 | 218000 | 20000 | 1 | 200000 | 0.12 | 224000 | 20000 | |||||||||
| na 17 lat | 20 | 162621.035213803 | 0.07 | 174004.507678769 | 15000 | 2 | 198000 | 0.09 | 215820 | 20000 | 2 | 204000 | 0.12 | 228480 | 20000 | ||||||||
| 21 | 159004.507678769 | 0.07 | 170134.823216283 | 15000 | 3 | 195820 | 0.09 | 213443.8 | 20000 | 3 | 208480 | 0.12 | 233497.6 | 20000 | |||||||||
| 22 | 155134.823216283 | 0.07 | 165994.260841423 | 15000 | 4 | 193443.8 | 0.09 | 210853.742 | 20000 | 4 | 213497.6 | 0.12 | 239117.312 | 20000 | |||||||||
| 23 | 150994.260841423 | 0.07 | 161563.859100322 | 15000 | 5 | 190853.742 | 0.09 | 208030.57878 | 20000 | 5 | 219117.312 | 0.12 | 245411.38944 | 20000 | |||||||||
| 0.03 | 0.06 | 0.09 | 24 | 146563.859100322 | 0.07 | 156823.329237345 | 15000 | 6 | 188030.57878 | 0.09 | 204953.3308702 | 20000 | 6 | 225411.38944 | 0.12 | 252460.7561728 | 20000 | ||||||
| 1 | 200000 | 200000 | 25 | 141823.329237345 | 0.07 | 151750.962283959 | 15000 | 7 | 184953.3308702 | 0.09 | 201599.130648518 | 20000 | 7 | 232460.7561728 | 0.12 | 260356.046913536 | 20000 | ||||||
| 2 | 186000 | 192000 | 198000 | 26 | 136750.962283959 | 0.07 | 146323.529643836 | 15000 | 8 | 181599.130648518 | 0.09 | 197943.052406885 | 20000 | 8 | 240356.046913536 | 0.12 | 269198.772543161 | 20000 | |||||
| 3 | 171580 | 183520 | 195820 | 27 | 131323.529643836 | 0.07 | 140516.176718905 | 15000 | 9 | 177943.052406885 | 0.09 | 193957.927123504 | 20000 | 9 | 249198.772543161 | 0.12 | 279102.62524834 | 20000 | |||||
| 4 | 156727.4 | 174531.2 | 193443.8 | 28 | 125516.176718905 | 0.07 | 134302.309089228 | 15000 | 10 | 173957.927123504 | 0.09 | 189614.14056462 | 20000 | 10 | 259102.62524834 | 0.12 | 290194.940278141 | 20000 | |||||
| 5 | 141429.222 | 165003.072 | 190853.742 | 29 | 119302.309089228 | 0.07 | 127653.470725474 | 15000 | 11 | 169614.14056462 | 0.09 | 184879.413215436 | 20000 | 11 | 270194.940278141 | 0.12 | 302618.333111518 | 20000 | |||||
| 6 | 125672.09866 | 154903.25632 | 188030.57878 | 30 | 112653.470725474 | 0.07 | 120539.213676257 | 15000 | 12 | 164879.413215436 | 0.09 | 179718.560404825 | 20000 | 12 | 282618.333111518 | 0.12 | 316532.5330849 | 20000 | |||||
| 7 | 109442.2616198 | 144197.4516992 | 184953.3308702 | 31 | 105539.213676257 | 0.07 | 112926.958633595 | 15000 | 13 | 159718.560404825 | 0.09 | 174093.230841259 | 20000 | 13 | 296532.5330849 | 0.12 | 332116.437055088 | 20000 | |||||
| 8 | 92725.529468394 | 132849.298801152 | 181599.130648518 | 32 | 97926.9586335955 | 0.07 | 104781.845737947 | 15000 | 14 | 154093.230841259 | 0.09 | 167961.621616973 | 20000 | 14 | 312116.437055088 | 0.12 | 349570.409501698 | 20000 | |||||
| 9 | 75507.2953524458 | 120820.256729221 | 177943.052406885 | 33 | 89781.8457379472 | 0.07 | 96066.5749396035 | 15000 | 15 | 147961.621616972 | 0.09 | 161278.1675625 | 20000 | 15 | 329570.409501698 | 0.12 | 369118.858641902 | 20000 | |||||
| 10 | 57772.5142130192 | 108069.472132974 | 173957.927123504 | 34 | 81066.5749396035 | 0.07 | 86741.2351853757 | 15000 | 16 | 141278.1675625 | 0.09 | 153993.202643125 | 20000 | 16 | 349118.858641902 | 0.12 | 391013.121678931 | 20000 | |||||
| 11 | 39505.6896394098 | 94553.6404609529 | 169614.14056462 | 35 | 71741.2351853757 | 0.07 | 76763.121648352 | 15000 | 17 | 133993.202643125 | 0.09 | 146052.590881006 | 20000 | 17 | 371013.121678931 | 0.12 | 415534.696280402 | 20000 | |||||
| 12 | 20690.8603285921 | 80226.8588886101 | 164879.413215436 | 36 | 61763.121648352 | 0.07 | 66086.5401637367 | 15000 | 18 | 126052.590881006 | 0.09 | 137397.324060297 | 20000 | 18 | 395534.696280402 | 0.12 | 442998.859834051 | 20000 | |||||
| 13 | 1311.58613844986 | 65040.4704219267 | 159718.560404825 | 37 | 51086.5401637367 | 0.07 | 54662.5979751982 | 15000 | 19 | 117397.324060297 | 0.09 | 127963.083225724 | 20000 | 19 | 422998.859834051 | 0.12 | 473758.723014137 | 20000 | |||||
| 14 | 0 | 48942.8986472423 | 154093.230841259 | 38 | 39662.5979751982 | 0.07 | 42438.9798334621 | 15000 | 20 | 107963.083225724 | 0.09 | 117679.760716039 | 20000 | 20 | 453758.723014137 | 0.12 | 508209.769775833 | 20000 | |||||
| 15 | 0 | 31879.4725660769 | 147961.621616972 | 39 | 27438.9798334621 | 0.07 | 29359.7084218044 | 15000 | 21 | 97679.7607160387 | 0.09 | 106470.939180482 | 20000 | 21 | 488209.769775833 | 0.12 | 546794.942148933 | 20000 | |||||
| 16 | 0 | 13792.2409200415 | 141278.1675625 | 40 | 14359.7084218044 | 0.07 | 15364.8880113308 | 15000 | 22 | 86470.9391804822 | 0.09 | 94253.3237067256 | 20000 | 22 | 526794.942148933 | 0.12 | 590010.335206805 | 20000 | |||||
| 17 | 0 | 0 | 133993.202643125 | 41 | 364.888011330751 | 0.07 | 390.430172123904 | 15000 | 23 | 74253.3237067256 | 0.09 | 80936.1228403309 | 20000 | 23 | 570010.335206805 | 0.12 | 638411.575431622 | 20000 | |||||
| 18 | 0 | 0 | 126052.590881006 | 24 | 60936.122840331 | 0.09 | 66420.3738959608 | 20000 | 24 | 618411.575431622 | 0.12 | 692620.964483417 | 20000 | ||||||||||
| 19 | 0 | 0 | 117397.324060297 | 25 | 46420.3738959608 | 0.09 | 50598.2075465972 | 20000 | 25 | 672620.964483417 | 0.12 | 753335.480221427 | 20000 | ||||||||||
| 20 | 0 | 0 | 107963.083225724 | 26 | 30598.2075465972 | 0.09 | 33352.046225791 | 20000 | 26 | 733335.480221427 | 0.12 | 821335.737847998 | 20000 | ||||||||||
| 21 | 0 | 0 | 97679.7607160387 | 27 | 801335.737847998 | 0.12 | 897496.026389758 | 20000 | |||||||||||||||
| 22 | 0 | 0 | 86470.9391804822 | 28 | 877496.026389758 | 0.12 | 982795.549556529 | 20000 | |||||||||||||||
| 23 | 0 | 0 | 74253.3237067256 | 29 | 962795.549556529 | 0.12 | 1078331.01550331 | 20000 | |||||||||||||||
| 24 | 0 | 0 | 60936.122840331 | 30 | 1058331.01550331 | 0.12 | 1185330.73736371 | 20000 | |||||||||||||||
| 25 | 0 | 0 | 46420.3738959608 | 31 | 1165330.73736371 | 0.12 | 1305170.42584736 | 20000 | |||||||||||||||
| 26 | 0 | 0 | 30598.2075465972 | 32 | 1285170.42584736 | 0.12 | 1439390.87694904 | 20000 | |||||||||||||||
| 27 | 0 | 0 | 13352.046225791 | 33 | 1419390.87694904 | 0.12 | 1589717.78218292 | 20000 | |||||||||||||||
| 34 | 1569717.78218292 | 0.12 | 1758083.91604487 | 20000 | |||||||||||||||||||
| Wykres | 35 | 1738083.91604487 | 0.12 | 1946653.98597026 | 20000 | ||||||||||||||||||
| 36 | 1926653.98597026 | 0.12 | 2157852.46428669 | 20000 | |||||||||||||||||||
| 37 | 2137852.46428669 | 0.12 | 2394394.76000109 | 20000 | |||||||||||||||||||
| 38 | 2374394.76000109 | 0.12 | 2659322.13120123 | 20000 | |||||||||||||||||||
| 39 | 2639322.13120123 | 0.12 | 2956040.78694537 | 20000 | |||||||||||||||||||
| 40 | 2936040.78694537 | 0.12 | 3288365.68137882 | 20000 | |||||||||||||||||||
| 41 | 3268365.68137882 | 0.12 | 3660569.56314428 | 20000 | |||||||||||||||||||
| 42 | 3640569.56314428 | 0.12 | 4077437.91072159 | 20000 | |||||||||||||||||||
| 43 | 4057437.91072159 | 0.12 | 4544330.46000818 | 20000 | |||||||||||||||||||
| 44 | 4524330.46000818 | 0.12 | 5067250.11520916 | 20000 | |||||||||||||||||||
| 45 | 5047250.11520916 | 0.12 | 5652920.12903426 | 20000 | |||||||||||||||||||
| 46 | 5632920.12903426 | 0.12 | 6308870.54451838 | 20000 | |||||||||||||||||||
| 47 | 6288870.54451837 | 0.12 | 7043535.00986058 | 20000 | |||||||||||||||||||
| 48 | 7023535.00986058 | 0.12 | 7866359.21104385 | 20000 | |||||||||||||||||||
| 49 | 7846359.21104385 | 0.12 | 8787922.31636911 | 20000 | |||||||||||||||||||
| 50 | 8767922.31636911 | 0.12 | 9820072.99433341 | 20000 |
| stan konta | Wypłata | procent | lata | Lata | Stan początkowy | procent | po dopisaniu odsetek | |||||||
| 24000 | 1.08 | 22222.2222222222 | 1 | 256194.628526126 | wartość początkowa | 1 | 1068 | 0.08 | 1153.44 | |||||
| 24000 | 1.08 | 20576.1316872428 | 2 | 2 | 1068 | 0.08 | 1245.7152 | |||||||
| 24000 | 1.08 | 19051.9737844841 | 3 | 3 | 1068 | 0.08 | 1345.372416 | |||||||
| 24000 | 1.08 | 17640.7164671149 | 4 | 4 | 1068 | 0.08 | 1453.00220928 | |||||||
| 24000 | 1.08 | 16333.9967288101 | 5 | 5 | 1068 | 0.08 | 1569.2423860224 | |||||||
| 24000 | 1.08 | 15124.0710451945 | 6 | 6 | 1068 | 0.08 | 1694.78177690419 | |||||||
| 24000 | 1.08 | 14003.7694862912 | 7 | 7 | 1068 | 0.08 | 1830.36431905653 | |||||||
| 24000 | 1.08 | 12966.4532280474 | 8 | 8 | 1068 | 0.08 | 1976.79346458105 | |||||||
| 24000 | 1.08 | 12005.975211155 | 9 | 9 | 1068 | 0.08 | 2134.93694174753 | |||||||
| 24000 | 1.08 | 11116.6437140324 | 10 | 10 | 1068 | 0.08 | 2305.73189708734 | |||||||
| 24000 | 1.08 | 10293.1886241041 | 11 | 11 | 1068 | 0.08 | 2490.19044885432 | |||||||
| 24000 | 1.08 | 9530.73020750379 | 12 | 12 | 1068 | 0.08 | 2689.40568476267 | |||||||
| 24000 | 1.08 | 8824.75019213314 | 13 | 13 | 1068 | 0.08 | 2904.55813954369 | |||||||
| 24000 | 1.08 | 8171.06499271587 | 14 | 14 | 1068 | 0.08 | 3136.92279070718 | |||||||
| 24000 | 1.08 | 7565.80091918136 | 15 | 15 | 1068 | 0.08 | 3387.87661396375 | |||||||
| 24000 | 1.08 | 7005.37122146422 | 16 | 16 | 1068 | 0.08 | 3658.90674308085 | |||||||
| 24000 | 1.08 | 6486.45483468909 | 17 | 17 | 1068 | 0.08 | 3951.61928252732 | |||||||
| 24000 | 1.08 | 6005.9766987862 | 18 | 18 | 1068 | 0.08 | 4267.74882512951 | |||||||
| 24000 | 1.08 | 5561.08953591314 | 19 | 19 | 1068 | 0.08 | 4609.16873113987 | |||||||
| 24000 | 1.08 | 5149.15697769736 | 20 | 20 | 1068 | 0.08 | 4977.90222963106 | |||||||
| 24000 | 1.08 | 4767.73794231237 | 21 | 21 | 1068 | 0.08 | 5376.13440800155 | |||||||
| 24000 | 1.08 | 4414.57216880775 | 22 | 22 | 1068 | 0.08 | 5806.22516064167 | |||||||
| 24000 | 1.08 | 4087.56682297013 | 23 | 23 | 1068 | 0.08 | 6270.723173493 | |||||||
| 24000 | 1.08 | 3784.78409534272 | 24 | 24 | 1068 | 0.08 | 6772.38102737245 | |||||||
| 24000 | 1.08 | 3504.42971790992 | 25 | 25 | 1068 | 0.08 | 7314.17150956224 | |||||||
| 26 | 1068 | 0.08 | 7899.30523032722 | |||||||||||
| 27 | 1068 | 0.08 | 8531.2496487534 | |||||||||||
| 28 | 1068 | 0.08 | 9213.74962065367 | |||||||||||
| 29 | 1068 | 0.08 | 9950.84959030597 | |||||||||||
| 30 | 1068 | 0.08 | 10746.9175575304 | |||||||||||
| 31 | 1068 | 0.08 | 11606.6709621329 | |||||||||||
| 32 | 1068 | 0.08 | 12535.2046391035 | |||||||||||
| 33 | 1068 | 0.08 | 13538.0210102318 | |||||||||||
| 34 | 1068 | 0.08 | 14621.0626910503 | |||||||||||
| 35 | 1068 | 0.08 | 15790.7477063344 | |||||||||||
| 36 | 1068 | 0.08 | 17054.0075228411 | |||||||||||
| 37 | 1068 | 0.08 | 18418.3281246684 | |||||||||||
| 38 | 1068 | 0.08 | 19891.7943746419 | |||||||||||
| 275604.361982279 | 39 | 1068 | 0.08 | 21483.1379246132 | ||||||||||
| 40 | 1068 | 0.08 | 23201.7889585823 |